Our quarterly Annuity and Life Insurance Product Update reviews new products released by annuity carriers and life insurers over the last quarter. To view past updates, check out the archive. The slide deck below reviews the new annuity and life insurance products introduced in the third quarter of 2013.

1. ANNUITY AND LIFE INSURANCE PRODUCT UPDATE
THIRD QUARTER 2013
AUTHOR: JOSE MIGUEL SANTANA
PUBLISHED: OCTOBER 2013
COPYRIGHT 2013 CORPORATE INSIGHT, INC.

2. TABLE OF CONTENTS
 Introduction
 Annuity
o Lincoln Financial Group: Deferred Income Solutions
o Allianz Life: Index Advantage
o Allianz Life: Two New Enhanced Index Allocations
 Life Insurance
o
o
o
o
John Hancock: Protection SIUL
MetLife: New Enhanced Care Benefit Rider (ECBR)
Lincoln Financial Group: Lincoln SVUL (2013)
Pacific Life: Pacific PRIME Term
 Corporate Insight Thought Leadership
 About Corporate Insight
 About the Author
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3. INTRODUCTION
INTRODUCTION
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4. BACKGROUND
This presentation highlights new
product releases from the annuity
carriers and life insurers we cover in
our Annuity Monitor and Life
Insurance Monitor research services.
INTRODUCTION
Inside, we review the new products
introduced in the
third quarter of 2013.
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5. FIRMS COVERED
Below is a list of the firms we track on a daily basis for our Annuity Monitor and
Life Insurance Monitor research services:
Annuity Monitor
Life Insurance Monitor
o
Allianz Life
o
MetLife
o
AXA Equitable
o
Nationwide
o
Aviva
o
Nationwide
o
o
New York Life
o
AXA Equitable
o
New York Life
Genworth
Financial
o
o
Fidelity
o
Pacific Life
Northwestern
Mutual
o
ING
o
Prudential
o
Jackson
National
o
TIAA-CREF
o
INTRODUCTION
o
John Hancock
o
Lincoln
Financial
o
o
John Hancock
o
Liberty Mutual
o
Pacific Life
o
Lincoln
Financial
o
Principal
Financial
Transamerica
o
MassMutual
o
Prudential
o
VALIC
o
MetLife
o
USAA
o
Vanguard
MassMutual
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6. ANNUITY PRODUCT UPDATE
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7. LINCOLN FINANCIAL GROUP
LINCOLN DEFERRED INCOME SOLUTIONS
 The firm’s first ever deferred income annuity offers clients flexibility
on how they receive their income.
o Offers flexibility for future guaranteed lifetime income and also provides
predictability to a portion of a retirement portfolio.
o Allows clients to select when they begin receiving income payments
following a specified deferral period.
ANNUITIES
o Provides replacement income if retirement needs or circumstances
change and offers death benefit protection during the deferral and
income phases.
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8. ALLIANZ LIFE
ALLIANZ INDEX ADVANTAGE
 Rolled out in late September, the new variable annuity offers clients
the opportunity to capture growth based on the performance of the
S&P 500, the Russell 2000 or the Nasdaq 100.
ANNUITIES
 Includes a death benefit, three variable options and two innovative
index strategies, both of which protect against negative index
performance and limit how much investors can receive based on
index performance.
Allianz Life Public Website Promotional Image
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9. ALLIANZ LIFE
TWO NEW ENHANCED INDEX ALLOCATIONS
 Two new enhanced index allocations were introduced for three of the
firm’s pre-existing fixed indexed annuities – Allianz 222, Allianz 360
and Allianz 365 – in early September.
o Offered solely through the Allianz Preferred portfolio, the new index
allocations include the Barclays US Dynamic Balance Index and the
Russell 2000 Index.
The Barclays US Dynamic Balance Index offers an uncapped strategy with
an annual spread and is geared towards clients responding to the low-cap
environment.

Clients looking to diversify their accumulation strategy would be more
interested in the Russell 2000 Index, which seeks to measure the
performance of small-cap companies and includes a monthly sum with
caps and an annual point-to-point with caps.
ANNUITIES

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10. LIFE INSURANCE PRODUCT UPDATE
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11. JOHN HANCOCK
PROTECTION SIUL
 Includes competitive survivorship indexed universal life premiums,
three levels of competitive premium allocation options, a simple
annual point-to-point crediting method and three levels of
guaranteed protection:
o No-Lapse Guarantee
o 0% floor
o A 2% cumulative interest rate guarantee
LIFE INSURANCE
 Also offers affordable death benefit protection for past and future
assets.
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12. METLIFE
NEW ENHANCED CARE BENEFIT RIDER (ECBR)

Provides a benefit that allows the policy owner to accelerate up to 90% of
the death benefit, which can be used to help pay for ongoing care if the
insured develops a prolonged illness.

Added to portfolio of MetLife’s Whole Life products:
o MetLife Promise Whole Life
o MetLife Promise Whole Life 120
o MetLife Promise Whole Life Select 10
o MetLife Promise Whole Life Select 20
LIFE INSURANCE
o MetLife Promise Whole Life Select 65
MetLife Advisor Site Image
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13. LINCOLN FINANCIAL GROUP
LINCOLN SVUL (2013)
 This next-generation survivorship variable universal life policy offers
an income tax-free guaranteed death benefit, the potential to
enhance benefits with 70 diverse investment options from the
Lincoln Elite Series of Funds and a new competitive pricing structure.
LIFE INSURANCE
 Offers single- to short-term premium payment scenarios in three
years or less as well as a new optional Estate Protection Rider
providing an additional insurance benefit for estate preservation – at
an additional cost.
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14. PACIFIC LIFE
PACIFIC PRIME TERM
 The new term life insurance policy is intended to attract a new
generation of clients who want a faster, easier way to protect their
families and businesses.
 Key Features of the policy include a conversion credit of one year
allowing policy owners to convert their policy to another cash value life
insurance product offered by the firm, and two optional benefits for
disability or terminal illness.
 Available in 10, 15, 20 and 30-year level premium periods.
LIFE INSURANCE
 Via the firm’s EZApply tool, clients and advisors are able to streamline
and expedite the application and underwriting process.
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15. CORPORATE INSIGHT THOUGHT LEADERSHIP
Next-Generation Investing: Financial Startups and the Future of Financial Advice
CI tracks over 100 startups that covers a wide range of new ideas across financial advice and
investing. This study will focus on each idea, analyze compares them to what established financial
institutions offer and examine the potential impact on the industry. Download the study preview!
Social Media Trends: Annuity and Life Insurance
This presentation analyzes the current social media initiatives and promotions undertaken by leading
insurers, highlights key social media findings and trends across the insurance industry, and offer tips
for insurers looking to bolster their social presence.
Tablet-Friendly Web Design: Best Practices for Financial Services
The study examines the tablet-friendly website features provided by four leading firms across
financial services and provides recommendations for financial services firms building tabletoptimized websites.
Facebook Marketing Campaigns - Social Media Initiatives in the Insurance Industry
This slide deck highlights some of the engaging Facebook marketing campaigns initiated by P&C
Insurance Monitor firms this year and offers a few Facebook marketing tips for insurers.
2013 Mobile Finance Trends and Innovations
This slide deck includes commentary on mobile developments, key takeaways for financial services
firms and thoughts on what’s next for mobile finance.
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16. ABOUT CORPORATE INSIGHT
Corporate Insight provides competitive intelligence and user experience research to the nation’s leading
financial institutions. For over 20 years, the firm has tracked technological developments in the financial
services industry, identifying best practices in online banking and investing, online insurance, mobile
finance, active trading platforms, social media and other emerging areas. There are no assumptions in
Corporate Insight’s work – we use live accounts at all of the firms we research, providing our clients with
unparalleled, unbiased intelligence on the competition.
Media Inquiries
Corporate Insight welcomes the opportunity to speak with the media. If you are interested in citing our
research or would like to schedule an interview with one of our analysts, please contact Intermarket
Communications at 212-888-6115 or corporateinsight@intermarket.com.
Connect With Us
JOSE MIGUEL SANTANA
BEN POUSTY
Research Associate
Annuity Monitor & Life Insurance
Marketing Manager
212-832-2002 x-144
jsantana@corporateinsight.com
212-832-2002 x-134
bpousty@corporateinsight.com
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17. ABOUT THE AUTHOR
Jose Miguel Santana
Research Associate
Annuity Monitor and Life Insurance Monitor
Jose Miguel Santana is a Research Associate for Corporate Insight’s Annuity Monitor
and Life Insurance Monitor research services. He has conducted extensive research on
the annuities and life insurance industries, examining the online platforms, customer
service capabilities and technological innovations offered to prospective investors,
clients and financial professionals.
ABOUT THE AUTHOR
Jose graduated from James Madison University in 2010 and has been a member of the
Corporate Insight team since December of 2012.
CONTACT JOSE:
T: 212-832-2002 x-144
E: jsantana@corporateinsight.com
Annuity Monitor, Life Insurance Monitor and P&C Monitor are service marks of Corporate Insight, Inc.; all rights reserved.
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